Streamlining payment inquiries and clearing operations

Bank transfer
(Virtual account)

請求（取引）先毎に被振込専用口座（振込のみを受け付ける）を割り当てて決済する方法です。
被振込専用口座に入金があり次第、弊社から入金通知を行うため、入金照合事務コストが軽減できます。
なお、本サービスは三井住友銀行の入金照合サービス「パーフェクト」とGMOあおぞらネット銀行の「振込入金口座」を利用しております。お申込時にどちらかの選択が可能です。

Challenges like this can be overcome.
It can be solved

I want to introduce payment to my service
I want to know the most commonly used payment method
I want to make BtoB transactions cashless.
I want to promote operational efficiency through DX

Benefits of Bank transfer (Virtual Account)

Reduction of payment reconciliation administrative costs

It makes it easier to identify the transferee, improves the efficiency of payment verification paperwork, and reduces administrative costs.
Strengthen sales receivables collection management

By improving and speeding up the clearing rate, it will be easier to identify non-payment recipients and take early action.
Improved customer service

It reduces the number of payment inquiries to customers and reduces delays in the provision of products and services due to delays in payment confirmation.
誤入金の削減^※1

As standard functions, a check digit function and an account closure function after use are attached, and it can be expected to reduce erroneous deposits.

※1 本機能はGMOあおぞらネット銀行利用に限ります。

Bank transfer (Virtual Account) operation flow

Flow from purchase to payment to member stores

... Purchase information, payment number, payment completion notice
... deposit
... Service Provision

Purchase
payment number notification (Merchant → GMO-PG)
Transfer-only account allocation (GMO-PG → member stores)
Transfer-only account allocation (member store → end user)
payment
Deposit sales (bank → GMO-PG)
Acquisition of payment information (GMO-PG → Bank)
Payment notification (GMO-PG → member store)
Service provision (Merchant store → End user)
Deposit sales (GMO-PG → member stores)

Bank transfer (Virtual Account) service provision

You can choose from the following two service plans.

	SMBC	GMO Aozora online bank
Overview	A type that reuses our virtual account exclusively for member stores	A type that uses a virtual account held by a bank for all contract
Utilization	取引単位^※2／顧客単位^※3	取引単位^※2／顧客単位^※3
contract classification	Comprehensive contract only	Comprehensive contract only
account number	Serial number	random
Account dormant period	30 days	-
Billing （ショップ単位）	Initial cost Fixed Costs Processing fee (charged according to the number of dedicated accounts) Fees (charged according to the deposit amount)	Initial cost Fixed Costs Account opening fee (charged according to the number of account calls) Account deposit fee (charged according to the number of account deposits) Fees (charged according to the deposit amount)
Transfer name	GMOペイメントゲートウェイ●●（●●は加盟店様指定）^※4	①ショップ名+（加盟店任意）^※5 ②GMO-PG+（加盟店任意）
Check digit	None	Yes
Target member stores	当該決済を利用した月間取引件数が300件以上の加盟店様のご利用を想定。取引件数が少なくても顧客単位^※3のご利用や振込先名義変更をご希望の加盟店様には最適なプランとなります。	全加盟店（銀行振込件数が多いお客さま）

※2 取引単位でバーチャル口座を割当（取引単位で口座番号を割当てし、ワンタイムで活用する方法）
※3 顧客単位でバーチャル口座を割当（事前に連携した口座番号を顧客単位で紐付けし、継続的に活用する方法）
※4 1,000口座単位でお申込可能。口座休眠期間を勘案し、月間使用口座数の4倍程度を目安にお申込ください。
※5 必要条件を満たす場合にご利用になれます。詳細はお問い合わせください。

Precautions for Bank transfer (Virtual Account)

About the burden of transfer fees

Please let us know in advance as the transfer fee to the transfer-only account will be borne by the end user (purchaser).
About the banks you can choose from

You can choose from two banks, SMBC and GMO Aozora online bank.
About function

The functions provided vary depending on the bank you select. Please contact us for details.